Phase 6 of the Mutuum Finance (MUTM) presale is on the edge of running out, with allocation nearing 99% and thousands of investors trying to enter before the next price jump. This new cryptocurrency has already become a major talking point across crypto news today, helped by analysts who now project that MUTM could deliver up to 750% upside once the token launches and its protocol goes live.
Early investor sentiment indicates this presale is entering its most intense stage yet. Many market commentators suggest that the rapid sellout speed, rising holder count, and strong on-chain demand signal a potential breakout altcoin that could become one of the best cryptocurrencies to invest in before 2026. With the price still at $0.035, buyers see this as one of the few remaining moments to enter a new cryptocurrency before it moves to the next tier.
Mutuum Finance presale demand
Mutuum Finance (MUTM) launched its presale in early 2025 at $0.01. Since then, it has grown 250%, reaching $0.035 in the current Phase 6 stage. The rise is not random. The project has built a strong presence by outlining a clear mission: to create a decentralized lending and borrowing system that uses smart contracts to offer yield opportunities, collateralized loans, and more efficient on-chain liquidity.
Mutuum Finance uses a dual-model approach combining a Peer-to-Contract liquidity pool and a Peer-to-Peer marketplace for more personalized borrowing needs. This hybrid design is why many analysts now place MUTM on lists such as best crypto to buy now, top cryptocurrencies, and best cryptocurrency to invest in today. Its model allows users to lend assets, borrow against holdings, and earn yield through automated smart contract systems.
Presale growth shows how strong demand has become, with the project now sitting at about $18.95M raised, more than 18,200 holders, and roughly 805M tokens sold so far. From the 4 billion total token supply, 45.5% (1.82 billion tokens) is allocated to the presale alone, making it one of the most accessible new crypto offerings of the year. As demand rises, analysts note that this allocation strategy is pulling in both long-term investors and short-term participants looking for the next big cryptocurrency still trading under $0.05.
Testnet launch
A major catalyst behind this price prediction wave is the confirmed development progress. Mutuum Finance announced on its official X account that its V1 protocol is scheduled for Sepolia Testnet in Q4 2025. The first iteration includes a liquidity pool, mtTokens, a debt token system, and a liquidation bot, supporting both ETH and USDT at launch.
Security is another powerful driver. Mutuum completed a CertiK audit with a 90/100 Token Scan score, which is rare for a project still in presale. The $50k bug bounty program further shows that the team is preparing the protocol for a high-traffic environment once the mainnet goes live.
These developments have caught the attention of analysts who previously forecasted Solana’s early rallies. Some analysts believe MUTM could climb to $0.30–$0.40 within its first major trading cycle, representing roughly 750% growth from the $0.035 presale price. They argue that a working protocol, visible security track record, and rising presale demand create the ideal setup for rapid price discovery.
Buy-and-distribute model
At the core of Mutuum Finance’s P2C market are mtTokens, interest-bearing representations of deposited assets. When users supply liquidity, they receive mtTokens that grow in value as interest accumulates from borrowers. This makes Mutuum a meaningful option for users who want yield without choosing high-risk cryptocurrency coins or chasing volatile crypto charts.
Borrowers face variable rates driven by utilization. When liquidity is high, rates fall. When liquidity tightens, rates rise. This keeps the system efficient and ensures that the pool remains balanced. The process is simple, predictable, and understandable even for newcomers.
The buy-and-distribute mechanism is one of the protocol’s most attention-grabbing features. A share of platform revenue is used to buy MUTM on the open market, and MUTM purchased on the open market is redistributed to users who stake mtTokens in the safety module. This creates steady buying pressure and links token demand directly to platform activity.
Mutuum also introduced a 24-hour leaderboard. Every day, the top presale contributor receives $500 in MUTM, increasing participation and spotlighting the presale across social channels.
Market commentators suggest that mtToken utility and the buy-and-distribute system combined could push MUTM to $0.10–$0.12 shortly after launch, equal to a 200–300% increase from the expected listing price of $0.06.
Stablecoin and layer-2 expansion
Another major phase of Mutuum Finance’s roadmap is its planned on-demand stablecoin. This asset will be minted and burned based on borrowing activity, and interest from stablecoin loans will flow to the protocol treasury. Stablecoins have historically acted as demand engines in lending platforms because they attract high borrowing volumes. If Mutuum’s stablecoin captures even a small share of this market, it could push lending fees higher, increasing revenue, which in turn increases MUTM buybacks.
Layer-2 expansion is also coming. Lower network fees and faster transaction processing are critical for any lending protocol, especially when liquidation events must happen quickly to protect the system. Faster settlement also means safer collateral management for borrowers and more efficient usage for lenders.
In a bullish scenario, projections show that MUTM could reach $0.50 within its first major post-launch rally if stablecoin demand and L2 migration align with strong market conditions. This would place MUTM among the best cryptos to buy now for users seeking long-term asymmetric upside.
Why whale allocations matter
Phase 6 is now approaching 99% allocation, and this matters for several reasons. As stages sell out, the price moves upward, and demand accelerates. Large buyers often wait for late-stage confirmation before entering. Whale allocations can significantly speed up the final sellout and create a sharp surge in momentum heading into Phase 7.
Industry speculation points to rising whale presence in the last two presale stages. High-value entries confirm confidence and often trigger waves of new buyers, especially when the token is still trading far below its expected listing range.
With its presale nearly exhausted, a confirmed testnet coming in Q4, strong audit results, stablecoin plans, L2 expansion, and analyst projections suggesting up to 750% upside, Mutuum Finance (MUTM) is becoming a major contender for anyone searching for the best crypto to buy now under $0.05.
For more information about Mutuum Finance (MUTM), visit the links below:
Website: https://www.mutuum.com
Linktree: https://linktr.ee/mutuumfinance
Disclaimer: This is a paid post and should not be treated as news/advice.